Extra Protection for Your Assets
Umbrella Insurance
Umbrella insurance provides an extra layer of liability protection beyond your auto and home policies. Starting at just $150/year for $1 million in coverage, it's one of the most affordable ways to protect your family's assets, future earnings, and financial security.
Understanding Umbrella Insurance
Umbrella insurance provides additional liability protection that goes beyond the limits of your standard auto, home, or boat insurance. If a lawsuit or claim exceeds your primary policy limits, umbrella insurance kicks in to cover the difference — protecting your savings, investments, home equity, and future earnings from being seized in a judgment.
Coverage Options
Learn More About Your Coverage
Extended Liability Protection
Provides $1 million or more in additional liability coverage above your auto, home, and boat policy limits.
Personal Injury Protection
Covers claims like slander, libel, defamation, false arrest, and invasion of privacy that standard policies may not cover.
Property Damage Liability
Additional coverage if you accidentally cause significant property damage that exceeds your standard policy limits.
Bodily Injury Liability
Extra protection if someone is seriously injured on your property or in an accident you cause.
Legal Defense Costs
Covers attorney fees, court costs, and legal defense expenses for covered claims — even if the lawsuit is frivolous.
Worldwide Coverage
Umbrella insurance typically provides coverage for incidents that occur anywhere in the world, not just in Louisiana.
Why The Root Agency
Why Choose Us for Umbrella Insurance?
Umbrella insurance is the most valuable upsell in your insurance portfolio — low cost, high protection. At $150–$300/year for $1 million in additional coverage, it's a fraction of the cost of other policies but can prevent financial devastation from a major lawsuit. The Root Agency helps Baton Rouge families determine the right umbrella coverage level based on their assets, income, and risk factors.
- Match Your Net Worth: A common recommendation is umbrella coverage equal to your net worth, plus additional for future earnings.
- Pool Owners Take Note: If you have a swimming pool, trampoline, or host frequent gatherings, umbrella insurance is especially important.
- Rental Property Protection: Landlords face additional liability risks — umbrella insurance provides crucial extra protection.
- Affordable Peace of Mind: $150–$300/year for $1 million in coverage is one of the best values in insurance.
Get Your Free Quote Today
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Request a Quote (225) 926-0160Umbrella Insurance FAQ
Common Umbrella Insurance Questions
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Get a personalized umbrella insurance quote from Baton Rouge's top-rated Allstate agency.